The CFPB, a government agency, said there were about 26,600 credit card-related complaints to the bureau in 2016. Of those, the CFPB sent about 81% to its consumer response team, which attempted to work with credit card companies to review and resolve them. (The remaining complaints were referred to other regulatory agencies, were incomplete or are pending at the CFPB.) “If you have a complaint or a perk you’d like to get, pick up the phone and call,” said Matt Schulz, an industry analyst at CreditCards.com. “Your chances of success are better than you think they are.” The credit-card industry, he said, is highly competitive.

The most common dispute were related to billing, with issues including confusion about expiration dates for balance transfers, or about late fees on accounts, (17%), followed by identity theft, fraud or embezzlement (12%), closing or canceling an account (7%) or customer service (4%). There was also an “other” category, which made up 13% of complaints. Once the CFPB brought up those issues with credit-card companies, about 20% were resolved with some kind of monetary compensation for the consumer.

Robert Harrow, a research analyst for ValuePenguin, which analyzes data about consumers’ financial decisions, said the number of complaints resolved with monetary compensation is likely relatively low because of the many complaints that are not money-related, such as customer service complaints. ValuePenguin’s analysis of the CFPB report also found that late fees were the most likely complaint to end with some monetary compensation, with a full 57% ending in some money for the consumer. About 30% of complaints about billing disputes or billing statements also ended in monetary compensation.

The CFPB’s report is “misleading,” said Nessa Feddis, the senior-vice president of consumer protection and payments at the American Bankers Association, a trade group. She noted the report does not include any bank or card issuers’ comments on the complaints and lacks context, such as overall numbers on how many products and accounts they are managing. Also, sometimes complaints about credit cards should actually be directed at merchants that are making errors, she said.

But this isn’t the first report that shows fighting charges with your credit-card company could be worth it. About 87% of people who ask their credit-card companies to waive a late fee are successful, a survey of 1,000 cardholders from the credit card site CreditCards.com found last month. Of the 69% of those who asked for a lower interest rate, more than half were able to get their card’s annual fee waived entirely and 31% were at least able to get their annual fee lowered.

Banks, too, may be receptive, so at least attempting to call can be worth it, Harrow said. But if the bank or credit-card company can’t resolve the issue for you, or it becomes too cumbersome, trying through the CFPB is easy on the bureau’s website, Harrow said. “It’s a good idea, especially considering it doesn’t cost consumers anything, and the agency will follow up on their behalf,” he said.